دفاعیه ارشد: بررسی رابطه بین درآمد و سوگیری های رفتاری (مطالعه موردی: مشتریان بانک اقتصاد نوین شعب شیراز)

Abstract / Key Words: In today world’s complex markets, in order to be able to provide an appropriate analysis of the market, we must examine all the factors affecting it. Behavioral bias is one of the significant and effective factors in financial markets. The study of the behavior of depositors and investors is an important and influential issue, so that in recent years, financial scientists have studied the set of behavioral interactions and placed it in a relatively expanded category called financial-behavioral one in order to be able to properly analyze the behavior of individuals and as a consequence of their financial decisions influenced by various psychological factors and income levels. The present study which is a descriptive survey research, aims to investigate the relationship between income and behavioral biases of customers of Bank Eghtesad Novin. The statistical population of the study included the customers of Eghtesad Novin Bank in shiraz from January 11, 2020 till March 21, 2021. The statistical sample was 384 people which estimated based on the size of an uncertain statistical population of and the sampling method was simple random method using Cochran's formula. In order to collect the data of this research the following questionnaires based on the 5-point Likert scale were used: Chaffai and Medhioub (2014), Kahneman and Riepe (2004), Hussain Khan et al. (2017), Waweru et al. (2014), Baba Jani Mohammadi (1396), Zeinali (1389), Saeedi and Farhanian (1391) and Mohammad Alipour (1397), which its construct validity was confirmed by confirmatory factor analysis and its reliability was confirmed by Cronbach's Alpha method. To achieve the research goal, 7 hypotheses were developed and tested using Kruskal-Wallis test in SPSS software. Findings showed that there is a significant difference among income level, anchoring bias, availability to information and representativeness among customers of Eghtesad-e-Novin Bank in Shiraz. However, no significant difference was observed among their income level, mental accounting bias, loss aversion and overconfidence. Keywords: Income, Behavioral Finance, Behavioral Bias